Community West Bancshares (CWBC) vs Peoples Financial Services Corp. (PFIS)

Community West Bancshares and Peoples Financial Services Corp. are both Banks Regional companies. Community West Bancshares and Peoples Financial Services Corp. are of similar size ($722.9M and $693.7M). Peoples Financial Services Corp. trades at the lower P/E: 12.3× against 14.4×. Community West Bancshares grew revenue faster over the last twelve months: 12.9% against 0.46%. Peoples Financial Services Corp. has the higher net margin (19.8% vs 16.9%) and the higher return on invested capital (8.38% vs 6.83%). Both pay a dividend; Peoples Financial Services Corp. yields more (5.64% vs 2.77%). Across the 20 metrics below, Peoples Financial Services Corp. leads on 15 and Community West Bancshares on 5.

Valuation

Metric CWBC PFIS Banks Regional median
P/E 14.39 12.30 12.15
P/S 3.37 2.43 2.37
P/B 1.19 1.30 1.21
Price to free cash flow 15.01 14.09 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.76 2.40 2.27
Earnings yield 6.95% 8.13% 8.11%
Free cash flow yield 6.66% 7.10% 8.98%

Profitability

Metric CWBC PFIS Banks Regional median
Gross margin 76.29% 68.05% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.86% 19.78% 18.66%
Free cash flow margin 22.46% 17.28% 21.18%
Return on equity 7.33% 11.02% 10.64%
Return on assets 0.84% 1.08% 1.13%
Return on invested capital 6.83% 8.38% 8.33%

Growth

Metric CWBC PFIS Banks Regional median
Revenue growth (TTM) 12.91% 0.46% 6.61%
EPS growth (last fiscal year) 344.44% 493.94% —
Revenue growth, 5-year CAGR 19.71% 20.50% 12.30%
Net income growth, 5-year CAGR 13.41% 15.06% 9.71%

Health

Metric CWBC PFIS Banks Regional median
Debt to equity 0.12 0.46 0.22
Current ratio 0.89 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CWBC PFIS Banks Regional median
Dividend yield 2.77% 5.64% 3.75%
Payout ratio 0.21 0.32 0.27

Size

Metric CWBC PFIS Banks Regional median
Market cap 722.94m 693.72m 921.07m

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